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Using a Mortgage Broker

What is a Mortgage Broker?

A Mortgage Broker Defined
A Mortgage Broker is a real estate financing professional who, as their business, puts together a lender and a borrower. This is done after thoroughly reviewing the needs and capabilities of that borrower, the characteristics of the subject property and the various lending programs available from a wide range of lenders. This is done in compliance with and under the restrictions of all state and federal laws.

A Mortgage Broker's Benefit to the Public
The loan program, which best suits a particular borrower, is not always evident when that borrower makes a loan application. Often a loan program, which at first looks as if it is a good match, may not be practical as the loan is processed and additional information about the borrower and/or property is received. Lender loan programs and the rates inherent in each program often change on a daily basis. Using a Mortgage Broker allows the consumer the opportunity to go to a different lender if the original program, or its rates and/or fees have changed, or if the circumstances of the property borrower warrant changing. A Mortgage Broker represents their client by accessing a multitude of lenders. The Mortgage Broker may, therefore, offer their client greater flexibility through more varied programs than those which are offered through a single bank.

In Summary
The Mortgage Broker Industry has enjoyed remarkable evolution and growth in our state. As Mortgage Brokers, and as an association, we seek to do just one job and to do it well. We provide an outstanding service to the clients we serve, to our communities and to the lending/banking industry.

Who are Mortgage Brokers

Finding a mortgage loan for your home can be confusing experience. With so many options to choose from, it can be difficult to find your way. That is why a Mortgage Broker is your number one source for a loan. A Mortgage Broker will guide you through the lending process, provide you with any help you need, and try to simplify the process. You will get the service and selection you want from a Mortgage Broker.

  • Full-time residential real estate professionals.
  • Experts at working through the mortgage lending process to save you time.
  • Your representative to many lenders.
  • Providers of loans that comply with industry standards and requirements.
  • Specialists with competitive up-to-date loan rates.
  • Resources of knowledge on current trends and terms in the industry.

Why Choose a Mortgage Broker?

Over 60% of Americans do. Brokers provide the consumers with:

  • Choice
  • Convenience
  • Expertise

The consumer receives an expert mentor through the complex mortgage lending process. The Mortgage Broker offers the consumer extensive choices and access to affordable home loans while balancing the consumer's financial interests and goals.

  • Our focus is to help you achieve the “American Dream” through proper financing of you home purchase or refinance.
  • We have a vested interest in satisfying your needs.
  • We will select the best lender from our many sources to provide you with a loan that meets your individual needs.
  • We have extensive knowledge of the many loan programs available and will take the time to fit your needs to the best loan.
  • There is a loan for everyone, and we know how to find it.
  • Because interest rates change daily, we can obtain a locked rate to insure that the rate being offered is available to you at the closing.
  • We are motivated to keep the processing time to a minimum, so you are satisfied with our timely performance.
  • Our position in the mortgage industry gives us a competitive edge allowing us to provide you with a loan that will benefit you the most with the lowest costs.
  • As your personal Mortgage Brokers, we are happy to work with you to find the best loan for your home.

Your Mortgage Broker:

The key to your new home or debt consolidation

Why use a Mortgage Broker?

Because using a Mortgage Broker can make a difference in the interest you pay, the points you are assessed, how difficult it is for you to qualify for a loan, the length of time it takes for your loan approval, and even whether or not you can get a loan.

If you had to do it yourself, where would you start? How many mortgage sources are you familiar with? How many of the hundreds of loan variations do you fully understand? Your mortgage broker can guide you through this potentially disastrous maze, and lead you to a lender and the loan that best fits your specific requirements.

(Too often, it is the other way around … you are minutely scrutinized by the lender to see if you fit their profile.)

There are, in fact, money sources (wholesale lenders, unconventional investors, etc.) who may only provide funding through Mortgage Brokers. Market conditions often dictate how “choosey” most lenders will be, what percentage of total income the lender will allow a mortgage to be, how large a down payment is required, how perfect your credit rating must be, and other such factors. Unconventional sources known only to a Mortgage Broker may offer hope to prospective homeowners who are having difficulty qualifying with conventional lenders.

Finding a mortgage loan for your home can be a confusing experience. With so many options to choose from, it can be difficult to find your way. That is why a Mortgage Broker is your number one source for a loan. A Mortgage Broker will guide you through the lending process, provide you with any help you need, and try to simplify the process. You will get the service and selection you want from a Mortgage Broker at Grandview Lending.

FAQ About Mortgage Brokers

Have more Americans been able to buy homes because of Mortgage Brokers?
Yes! Mortgage Brokers have pioneered the subprime credit market, using innovative loan packages to allow low- to moderate-income borrowers, with less than perfect credit histories, to start enjoying the benefits of homeownership. Many low-income borrowers with less than perfect credit histories would not have been able to purchase their dream home without the assistance and dedication of a Mortgage Broker.

Are Mortgage Brokers lenders or bankers?
Neither. A Mortgage Broker is a real estate financing professional acting as an independent contractor. The range of products and services offered through Mortgage Brokers, and by Mortgage Brokers, is evolving rapidly. There are circumstances when Mortgage Brokers may act as bankers, funding their loans. However, the majority perform origination services up to the point of funding.

Does the Mortgage Broker really care about the quality of the loan itself?
Yes, absolutely. The safety and soundness of the mortgage lending community is directly linked to the success and integrity of its home loan originations. Furthermore, Mortgage Brokers represent the single largest residential origination source today, emphasizing that they play a significant role in the mortgage loan process. These numbers highlight the fact that consumers, who exercise their choice and choose Mortgage Brokers, most likely do so, because Mortgage Brokers are dedicated to their customers: consumers, wholesale lenders, and ultimately, American taxpayers.

Should Mortgagte Brokers be regulated?
Mortgage Brokers are regulated by several federal laws and regulations, and by dozens of state laws and licensing boards. The National Association of Mortgage Brokers (NAMB) supports reasonable and fair state and federal regulation of Mortgage Brokers and lenders. The industry is regulated by 17 federal laws and numerous state and federal regulations.

What role does the Mortgage Broker play versus the wholesale lender?
The wholesale lender underwrites and funds the home loan, may service the loan payments, and ensure the loans' compliance with underwriting guidelines. The Mortgage Broker, on the other hand, originates the loan. A detailed application process, financial and credit worthiness investigation, and extensive disclosure requirements must be completed in order for a wholesale lender to evaluate a consumer's home loan request. The Mortgage Broker simplifies this process for the borrower and the wholesale lender, by conducting this research, counseling consumers on their loan package choices, and enabling them to select the right loan for their home-buying needs.

The mortgage loan process can be arduous, costly, and seemingly impossible to the consumer. The Mortgage Broker works as the liaison between the borrower and the lender to create a cost-effective and efficient loan process.

Do Mortgage Brokers work for the wholesale lender or the consumer?
Neither.

As an independent contractor, the Mortgage Broker allows wholesaler lenders to cut origination costs by providing such services as preparing the borrower's loan package, loan application, funding process, and counseling the borrower. Mortgage Brokers help keep loan rates low due to their minimal overhead and setup costs. Furthermore, the Mortgage Broker will seek the loan which best suits the borrower's financial circumstances, needs and goals. From the consumer perspective, with rare exception, the Mortgage Broker does not get paid unless and until the loan closes. Thus, the Mortgage Broker has the ultimate incentive to provide the best possible customer service to the consumer.

Isn't the Mortgage Broker supposed to get the best deal for the consumer?
Since Mortgage Brokers offer the products of many wholesale lenders, they often can offer consumers a wider selection of loan products. This question presumes that anyone can know what is "the best deal." While many would consider "the best deal" to mean "the lowest rate," a loan program with a very low interest rate may not be the best choice for a consumer with limited cash, if that rate comes with high points and fees. A 15-year loan may save a borrower tens of thousands of dollars in interest payments of a 30-year loan, but the higher monthly payments may be acceptable to the consumer. So, "the best deal" for any consumer depends on his/her financial circumstances, needs and goals.

Today, over two-thirds of the nation's mortgages are originated by Mortgage Brokers. This clearly indicates that consumers are choosing the superior options, service, and expertise offered by Mortgage Brokers. Mortgage Brokers have forced retail lenders to compete with other loan sources driving down costs nationwide.

Don't Mortgage Brokers "steer" consumers to the wholesale lender who pays the highest fees to the Mortgage Broker?
While isolated instances of adverse steering can occur, the Mortgage Brokerage industry has predominantly armed consumers with a free-market economy weapon: open and vigorous competition. Any consumer exercising his or her basic right to shop and compare, will ultimately find the loan options that are in his/her best interests. The combination of government-mandated disclosures and vigorous competition has presented today's consumer with unprecedented levels of choice. While price is an important consideration in advocating a specific wholesale lender, Mortgage Brokers also make their professional recommendations based on a number of other factors which include the lender's underwriting criteria ability to fund a loan on time and in compliance with the consumer's requirements.

Why do Mortgage Brokers collect fees from both the consumer and the lender? Isn't this a conflict of interest or a duplication of charges prohibited by the Real Estate Settlement Procedures Act?
The Real Estate Settlement Procedures Act allows fees to be charged between settlement service providers, as long as those fees are reasonable for services, goods, or facilities actually provided. Mortgage Brokers provide the same services to consumers as do retail loan offices that typically charge the consumer an origination fee. These services include: taking the application, obtaining the credit report and appraisal, counseling the consumer on the loan process, and collecting the necessary documents. Mortgage Brokers also provide separate and distinct services and facilities to wholesale lenders. These include: marketing the lender's products, and assembling and delivering the completed loan package.

In addition, lenders may pay Mortgage Brokers a premium – “yield spread premium" or "service release premium" – which may include compensation for the services and facilities, but also represents payment for the intrinsic market value of the closed loan. All of these are legal compensation. It is important to remember that regardless of which party compensates the Mortgage Broker (the lender or the consumer), in almost all cases the Mortgage Broker receives nothing until the loan closes.

The Code Of Ethics For INAMB Members

The members of the Indiana Association of Mortgage Brokers, believing that the interests of the public and private sectors are best served through the observance of ethical standards of practice, hereby subscribe to the following Code of Ethics.

HONESTY AND INTEGRITY

INAMB members shall conduct business in a manner reflecting honesty, honor and integrity.

PROFESSIONAL CONDUCT

INAMB members shall conduct their business activities in a professional manner.

HONESTY IN ADVERTISING

INAMB members shall endeavor to be accurate in all advertisements and solicitations.

CONFIDENTIALITY

INAMB members shall avoid unauthorized disclosure of confidential information.

COMPLIANCE WITH THE LAW

INAMB members shall conduct their business in compliance with all applicable laws and regulations.

DISCLOSURE OF FINANCIAL INTERESTS

INAMB members shall disclose any equity or financial interest they may have in the collateral being offered to secure the loan.

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ADDRESS
8445 Keystone Crossing Blvd,
Indianapolis, IN 46240
MAIN OFFICE
317.255.0062
TOLL FREE
866.690.4920
FAX
317-947-0500
EMAIL
info@ghlindy.com
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We partner with our clients, walking shoulder to shoulder with them through the financial maze that mortgage lending has become. We provide our clients with exceptional service and integrity which has become our hallmark. Every loan is different. So we listen to our clients to help them assess the impact their mortgage decisions have, not only today, but tomorrow.
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Matt Schober
Matt Schober
15:36 01 May 24
We worked with Tim Egan on our loan and he was great! Would recommend him to handle your mortgage needs. Responded very quickly and stayed in contact from start to finish. Made a very detailed process a great experience
The Butcher
The Butcher
14:04 01 May 24
You will not regret working with this team. Tim helped me with the whole process. Seamlessly handling all of the questions and concerns as well as being very attentive the whole time. Moving into my dream home now and don’t k know if it would have happened without Tim. Thank you all!!!
Julie Szolek-Van Valkenburgh
Julie Szolek-Van Valkenburgh
21:34 24 Apr 24
Wow!!! We just closed on our new condo, and Grandview Lending was amazing the entire way! How did they do you ask? I'll rate them for you. . . .Quality of Service 5/5Customer Service 5+++++++++ (Above and beyond. Have you ever had the Head of your Lending company show up at your closing AND bring you a gift? Well that's exactly what Michael did.)Turnaround time 5/5 Michael and his team (hi Lesley) turned everything around so quickly for us that we were well prepared for our closing day.Explanation of lending vocabulary 5/5 Michael explained difficult terms/etc in a easy to understand way for which we were very grateful!Overall score 5/5Top lending company referred to us by our realtor Melissa Coutz who is also amazing. If we are have lending needs in the future, this will be the first and only place we go!
Cachetes
Cachetes
14:23 01 Apr 24
Jose Flores me dió un servicio excelente, todas mis dudas fueron resueltas y además me dio consejos claves para tomar una buena decision. Recomiendo a José a toda la comunidad hispana que estén buscando comprar su casa, además que Grand Lending son bien flexibles.
Austin P.
Austin P.
14:40 28 Mar 24
Tim Egan is one of the best in "customer service" that I've ever worked with. He has taken a lot of time to explain the entire process of buying and selling homes and I would recommend Tim to anyone.
Julie Kilger
Julie Kilger
20:36 27 Feb 24
I had a wonderful experience with Grandview Lending! Tim Egan was incredibly responsive and helpful throughout the entire process. He touched base with me regularly, even when there weren't major updates, just to keep me feeling informed and clear on where things stood and how everything was progressing. As a first time home buyer, his communication was incredibly appreciated. Everyone I interacted with as part of the mortgage process was fantastic, and Tim really went above and beyond to make me feel comfortable and confident.
Marlo Bruce
Marlo Bruce
15:59 14 Feb 24
Tim Egan with Grandview Lending will definitely get the job done and he will make sure your desired needs and goals are met.
Moriyike Owolabi
Moriyike Owolabi
21:10 13 Feb 24
I recently had the pleasure of working with Durell during the process of purchasing my new home, and I cannot praise his efforts enough. From the moment we began working together, Durell demonstrated a level of professionalism, expertise, and dedication that truly set them apart.One aspect that particularly impressed me was his attention to detail and proactive approach to addressing any issues that arose. He went above and beyond to ensure that every aspect of the closing process went smoothly. From coordinating inspections to communicating with the seller's agent, he was always one step ahead, ensuring that everything was in place for a seamless closing. I highly recommend him for his exceptional service and dedication during my home purchase. His proactive approach, attention to detail, and commitment to customer satisfaction ensured a smooth closing process. Durell went above and beyond, making the entire experience stress-free and enjoyable. Truly outstanding!
Karen Rodriguez
Karen Rodriguez
17:16 07 Feb 24
Tim Egan was fantastic to work with! As a young, first time home buyer, he made the process super easy and answered the many questions I had. It is clear that he truly values his customers by cultivating a positive experience.
Laila and Khadijah Sisters Always
Laila and Khadijah Sisters Always
17:45 21 Jan 24
Durrell made this process so easy for us! My husband and I have tried on several occasions to purchase a home, he was the one that got it done!!! We’re beyond appreciative. He lays everything on the table and he shows you your options! I will recommend him to sooo many people!
Brad Shaw
Brad Shaw
13:17 18 Jan 24
One of the absolute best lending companies I have ever dealt with. Quick and easy process, no back and forth. Tim was awesome to work with. Highly recommended!!!!
miss dee
miss dee
03:55 28 Dec 23
Excellent experience. I would recommend them to everyone.
Kacey Carnes
Kacey Carnes
21:42 20 Dec 23
I reached out to Grandview based on the fact that they're the only mortgage company I've ever seen with all 5 star reviews. They did not disappoint. Mike reached out to me within an hour of submitting my loan application on a Sunday morning! He made the process simple and did everything he could to get us in the home we love! Thank you for providing such a smooth process in a stressful time.
Denise Thompson
Denise Thompson
18:57 28 Nov 23
I had the opportunity to work with Durrell Cullens in purchasing my home November 2023. He was professional, knowledgeable, followed up every step of the process. As a very busy business leader he made my life easier as I felt very confident in him doing his job and did not have to check his work. Thanks Durrell Tiffany T.
Kayvin Jones
Kayvin Jones
16:56 28 Nov 23
We tried rocket mortgage and it was a horrible experience. I googled local mortgage companies and found grandview and the experience was awesome they picked up where rocket left off was very transparent answered all of our questions and them some . Highly recommend thanks Timothy E.
Austin Douglas
Austin Douglas
06:32 10 Nov 23
Tim took care of my wife and I’s first home buying experience and was always more than apt to explain or answer a phone call whenever needed. Great experience with Grandview.
Matt Terrell
Matt Terrell
17:35 04 Nov 23
We had the pleasure of working with Tim Egan and we must say he exceeded all expectations. Tim not only secured us a great mortgage deal but also provided exceptional support throughout the entire process. As first-time homebuyers looking to start a family, we were on a tight deadline, and his expertise and friendly demeanor were instrumental in helping us achieve our dream of homeownership right on time. He was patient in explaining the process, maintained open and clear communication, and worked diligently to get our mortgage ready promptly. What truly stood out was his unwavering reassurance and support through the process, especially when our first few offers weren't accepted. Tim's guidance and flexibility were invaluable, and we couldn't have asked for a better mortgage broker to make our home purchase a reality. We highly recommend him to anyone in need of mortgage services.
Crystal Tanner
Crystal Tanner
16:51 01 Nov 23
Durrell Cullens is great at what he does this man helped me when I was just starting to give up hope. As I was start to give up hope he was making things happen for me and encouraging me to keep pushing. So I did and here I am in my new home. Thank you and I appreciate your help!
Katherine de Guia
Katherine de Guia
18:53 17 Oct 23
Timothy Egan and Grandview Lending deserve more than 5 stars. I had shopped around for someone to work with as a first time home buyer, and it was a clear choice that Tim was the right person.From the beginning, he went above and beyond to ensure I knew what I was getting into. He answered every question I had no matter how many I asked, clarified industry terms, ran all sort of scenarios so I knew what my options were and made sure I fully understood the information that came to me through the entire process.Not only that, but he helped me through the loan process twice. He was very quick to pivot when it was clear the first house wasn’t for me and we needed to walk away from the deal and helped me secure a loan for the house that was.As someone who just bought their first house, Tim really was the perfect person to help guide me through the process. Thank you for everything!
Shannon Caldwell
Shannon Caldwell
19:30 13 Oct 23
Tim Egan made purchasing my first home so easy! I'm very happy with the service he provided and for answering all of my questions along the way! I'd highly recommend Grandview Lending and Tim Egan if you're looking to purchase a home!
Elijah Lowe
Elijah Lowe
21:35 03 Oct 23
This was our second time having Tim Egan help us. Both times he helped us with getting the right mortgage and helping us navigate through it! One of the top tier mortgage company’s to deal with. We messaged on a Saturday and we’re ready to go by Monday morning! We highly recommend Tim Egan to anyone needing help with their mortgage!
Jessica M
Jessica M
23:30 18 Aug 23
I worked with Durrell Cullens and Lesley Howard, and couldn't be happier. They made every step so easy as a first time home buyer. They were proactive and quicly took care of any challenge that popped up along the way. I will definitely be using Durrell, Lesley and Grandview Lending for any future lending needs.
Colleen Garber
Colleen Garber
22:30 03 Aug 23
They were helpful for me as a first time homebuyer. Everyone one was so responsive and willing to answer all of my million questions. I would recommend them to anyone.
jejerious ademiju
jejerious ademiju
15:04 10 Jul 23
It was fast and easy process for me…I will recommend.
Leonardo Alfonso
Leonardo Alfonso
23:31 09 Jul 23
I want to say thank you for the outstanding job helping me from start to finish on buying my first home.Grandview lending's team treat me like family. Thanks a million..
Logan Lowe
Logan Lowe
21:48 09 Jul 23
Tim Eagan was an awesome guy to work with. He made it easy with limited stress. He also explained everything is detail so it was easy to understand.
Casey Lane
Casey Lane
16:16 03 Jul 23
Durrell Cullens at Grandview Lending was awesome. the whole team came together and helped us get the loan we needed to buy our house. I would recommend them to anyone.
James Price
James Price
21:27 30 Jun 23
I worked with Timothy Ayers about 2 years ago. He was very helpful and responsive. He was able to get me on the right path, connected me with a great realtor and I was able to buy my first house. Would definitely recommend Timothy easy to work with and very knowledgeable. Very happy with him. Also contacted him recently for some help/advice and he did exactly that. Thanks for everything.
Jen McDonnell
Jen McDonnell
21:24 30 Jun 23
Awesome Team of Professionals - Knowledgeable, Helpful, Responsive! You are in good hands with Grandview Lending!
Alyssa Bryans
Alyssa Bryans
18:06 30 Jun 23
Always have a great time working with Grandview Lending - especially Durrell Cullens and Lesley Howard!!
Alexander Joyce (ReJoyce Financial)
Alexander Joyce (ReJoyce Financial)
15:38 30 Jun 23
Tim Ayers is fantastic. True professional, honest and passionate about helping people. He as helped me, and many of my clients. Look forward to a continued long relationship.
Matt Stoltz
Matt Stoltz
23:03 29 Jun 23
I worked with Tim Ayers and Pam. Tim was always on top of my questions and even would reach out every few days or so just to check up on me and the progress of the home. The process was super easy and would recommend Grandview to anyone!
Matthew Foster
Matthew Foster
13:54 29 Jun 23
Grandview was an excellent lender to work with, Tim Egan and his team put in a lot of work and got the job done. They are very responsive and work fast to keep clients happy and informed.
Temitope Obaleye
Temitope Obaleye
22:49 24 Jun 23
Thanks to Durrell & Lesley , The entire process was stress free … The closing was less than 2 weeks after my realtor introduced Durrell.Fantastic team 💯
Nakita London
Nakita London
18:10 23 Jun 23
Durrell and Lesley were so awesome. They helped me with my new baby. I’m so grateful for the time they took to explain everything to me, help me achieve my goal, and have an open door policy for any questions/concerns I had. To reach out to me and ask how I was doing… all of the above… you both Rock! Thank you a thousand times over! 😊💚
Lakita Armstrong
Lakita Armstrong
19:58 22 Jun 23
Durrell Cullens and Lelsey Howard and other staff members at Grandview was amazing. They helped me through everything and communicate with us about any and everything we need. The process wasn't stressful as I thought it was. Love working with them and highly recommend them. Great team to work with.Thank you so much
daprof2 Olalekan
daprof2 Olalekan
19:54 22 Jun 23
Durrell Collins was amazing, he took time to answer my questions at every stage. Whole process was smooth and I’m so happy. I will definitely recommend him to everyone.
Melvin Hamer
Melvin Hamer
19:46 22 Jun 23
For my first time in buying a house I truly have to say I had the greatest team of Realtors that anyone could ever have. Any questions I had anything that I didn't understand anything that I didn't know you name it and my Realtors were jimmy on the spot. Didn't matter what time of day or night my Realtors made dam sure we were taken care of. I truly appreciate everything that they have done for me and my family.
dchanel
dchanel
19:38 22 Jun 23
Amazing service! Will absolutely recommend Tim over and over again!
Josh Church
Josh Church
13:50 22 Jun 23
Tim Ayers was incredibly helpful to my wife and I when we first made the decision to move from our apartment into a home. He set us up with an amazing real estate agent and even let us know we could refinance our mortgage shortly after buying the home to get an even better monthly payment. Cant recommend Tim enough!
Susan Lehmann
Susan Lehmann
21:04 21 Jun 23
Ross
Ross
20:53 21 Jun 23
Fantastic lender, Tim was incredibly helpful and made buying my first home a great experience. I’ll for sure be using them in the future as well!
Breanna Gilbert
Breanna Gilbert
19:02 21 Jun 23
I've worked with Michael Farrell and team several times when purchasing a home. Michael is always readily available to answer questions, give advice, and routinely checks in throughout the process. Michael and team work fast and have always been pleasurable to work with. I recommend Grandview Lending to family and friends for buying/selling or refinancing.
Jen Ireland (jen)
Jen Ireland (jen)
17:47 21 Jun 23
Tim and Pam were consummate professionals. What a great team to work with! I look forward to working with them in again in the future!
Bailey Fitzgibbon
Bailey Fitzgibbon
17:43 21 Jun 23
I'm writing another review for Grandview Lending. This was my second time working with Tim Ayers and it was just as great of an experience as it was the first time around. Tim and Pam make the lending process so easy. I've worked with other lending companies in the past who drag their feet, don't keep you informed, don't guide you through the process, etc. so I know how it can be when you don't have a great lending team on your side. This team is super communicative, helpful, accommodating, easy to work with, knowledgable, speedy, responsive -- all of the things you want from a lender. Thank you Tim and Pam!
Candice Dearbaugh
Candice Dearbaugh
21:35 19 May 23
Tim Egan was definitely helpful with the first time purchase of our new home. He was able to give sound advice when we had many questions during the process. Would work with Grandview Lending again in the future if we are ever in the market to refinance or sell/buy again.
JaQuita Sturdivant
JaQuita Sturdivant
19:52 25 Feb 23
Grand view lending is a great company to work with when looking to purchase property. Before my husband and I purchased this home I’ve never heard of the company before but I’m glad our realtor connected us. We were able to get an awesome pre approval and great interest rate through working with Durrell Cullins that led my husband and I to buy our dream home. I am so happy we chose to follow through with grand view lending.
Christopher Gomillia
Christopher Gomillia
16:07 13 Feb 23
Durrell Cullens is the best in the business. This was our first time doing an FHA 203k loan. He walked me through the process like a pro. He was super helpful, easy to talk to and well spoken. I will be calling him first for anything mortgage related 1st.
Mindi Arney
Mindi Arney
00:23 11 Feb 23
I initially started with a different lender, who gave me the run around. My realtor suggested Tim Egan. From day one he was open with what it would take to get me into a home. He was very kind and worked so hard. He was always available for me to ask any questions I needed answered or something I didn’t quite understand. His team are polite and just want to help. I would recommend Tim Egan to anyone who is looking to buy a home. He is truly one of the best lenders and he genuinely cares about you as a client. I never felt like I was just a number. I will definitely send family and friends to him if they ever need a home loan.
Shraddha Shrestha
Shraddha Shrestha
19:19 20 Jan 23
As a first time home buyer, Mike and his team made sure I feel comfortable in the process. They went out of the box and didn't hesitate once to answer my questions. Mike even showed up in the closing day with a gift. Very professional and knowledgeable team. I would recommend them 100%.
Heather Paine
Heather Paine
18:40 02 Jan 23
Cristin Arlequin
Cristin Arlequin
20:07 29 Dec 22
Easy to work with. Met a hard deadline on time for closing. Absolutely great people to work with! They tell you exactly what they need and communicate very well! Tim Egan and Pam are who we worked with and my husband and I highly recommend them to anyone!
devin thomas
devin thomas
17:28 21 Dec 22
Eunice Prado
Eunice Prado
16:46 13 Dec 22
We couldn’t be happier with Grandview Lending Inc. Mr. Mike Farrell and his exceptionally great team (Hillary, Faye, and Lesley) were amazing to work with! The quality of service of this company is great! Super communicative and ready to find answers to move forward! Customer service was on point! All our doubts were cleared out quickly and the explanation of the process was simple and understanding! The turnaround time for us was out of this world on how fast Mr. Farrell and his team worked on our case to meet with closing times! I will be sharing with everyone who needs this service, plus having Mr. Farrell also speak Spanish was awesome!! Muchas gracias! 😊We are so happy to have closed our new house with this amazing company!All the best and success for everyone!Best regards,Eunice Prado & Evelson Nava
Mauricio Mesa
Mauricio Mesa
02:40 17 Nov 22
Realmente tienen la experiencia, seguridad y lo más importante, los deseos de ayudar y dar la felicidad que recibimos todos como clientes!Se los puedo garantizar no en un 100%, pero si al 1000%!Gracias nuevamente por alegrar nuestras vidas!!!!
Evan Purk
Evan Purk
20:00 01 Nov 22
Kim Cotton
Kim Cotton
19:54 26 Sep 22
Tim Egan and his team were amazing! Everyone was super helpful, friendly, and very knowledgeable. They made my home buying experience very pleasant and easy! I would definitely recommend them to anyone looking to purchase a home.
Dakota Krug
Dakota Krug
15:50 07 Sep 22
Tim and his whole team were beyond helpful. Whether it was calling me to update me on the status of my loan, working with me to gather all of the needed documentation, or simply being available at almost any time of day if I thought of a question. I have recommended Tim and the whole Grandview lending team to my family and friends, and I will continue to do so! Thank you Tim, Kylie, Pam and anyone else who helped behind the scenes!
Rachel
Rachel
22:41 31 Aug 22
Tim Egan is THE BEST!! He was a valuable resource in an extremely tricky situation where another lender missed the bar!! He was willing to devote a lot of time investigating my problem and provided a solution! We had to move quickly to secure financing on a home under contract and he made it a seamless and rapid process thereafter. He consistently communicated with me throughout the process and everyone on his team was extraordinarily prompt and thorough!! Thank you Tim and Grandview for easing my worries and helping me secure our dream home!!
Joselin Alejandra Alas Flores
Joselin Alejandra Alas Flores
22:28 07 Jul 22
Muchas gracias a Grandview LendingY por supuesto a Michael Farrell por la ayuda brindada para el préstamo de nuestra nueva casa recomendado al 100’/, muy recomendable
Tim Tabuchi
Tim Tabuchi
05:22 28 Jun 22
I had the great pleasure of working with Tim Ayers on my new home loan. He was always friendly and honest when it came to the mortgage process. I appreciated his responsiveness to all my questions, phone calls, and emails. He truly went above and beyond in making sure that I was receiving the best care possible. I will be recommending Tim Ayers at Grandview Lending to those around me and I am very hopeful I will get to work with him again in the future!! Thanks Tim!
Paul Shea
Paul Shea
14:25 24 Jun 22
I was recently looking to refinance my home. I came across Grandview lending when I found out my good friend Durrell Cullens was a part of the team. He scheduled an appointment with me and we quickly got to work. The process couldn’t have been more smoothly executed. The team of folks working on my loan were terrific. Lesley was emailing me and with fast responses we were able to get the process done in less than a month. I recommend using Grandview Lending for any and all of your real estate needs. Thank you all so much.
Tom Scimeca
Tom Scimeca
21:19 25 Apr 22
We enjoyed working with the staff at Grandview Lending. They were very thorough and very responsive to all of our questions. Their rates were very competitive when we compared them to other sources. Our family has used them twice for a ReFi and recently for a mortgage on a new home We definitely would recommend that you consider them when looking for a mortgage.
Karen Jones
Karen Jones
17:20 31 Mar 22
My experience with Grandview Lending was amazing. My agents were Timothy Ayers and Jennifer Sampson who we had worked with before for buying and refinancing our home. They both were patient, helpful, detailed while going through the process. They called everyday for updates and was professional. He had a way to calm me through the process. I would definitely recommend this lender to friends and family.
Allison Sylvester
Allison Sylvester
01:43 19 Mar 22
Absolutely amazing working with this team. The sellers wanted the house to possibly close in the span of 2 weeks which I thought would be impossible l, but Michael Farrell took on the task and completed it in the time span and even had time to show up to closing and bought us the cutest sign to hang up for our home. Highly recommend!
Linda Gayman
Linda Gayman
10:42 22 Jan 22
Hillary and Leslie were extremely helpful and kind in the process. We were first time home buyers and it was a process to say the least. Working with these two ladies made it so much easier. They were there at every step helping and guiding us through this. I don't k ow what we would have done without them. Thank you again Grandview for everything.
Acaiah
Acaiah
03:43 13 Jan 22
Where do I begin, my experience with Grandview Lending was AMAZING!!!! The home buying process is just that, a process. And the wonderful people at Grandview Lending we’re truly a Godsend. They made this journey as stress free, as one could ever make it. They were professional, attentive, very knowledgeable, thorough, and very relatable. I felt like they were family, instead of just a professional relationship. Everything, I could ever want out of a lender; the professionals at Grandview Lending vastly exceeded all of our expectations!!! I would recommend them one thousand percent!!! In fact I’ve already referred them to a few friends. I know if and when I ever need to use a lender again, Grandview Lending will be my one and only choice…. Thank you, thank you, and thank you again for everything you’ve done for me and my family! Big thanks to the women of Grandview: Tracy Harding, Lindsey Idlewine, and Jennifer Sampson couldn’t have made it through this process without all their efforts!!!!!
Jose
Jose
16:33 18 Dec 21
I wish I could give more than five stars, Michael Ferrell and his team are awesome.Many thanks for helping me find the best mortgage to buy my first home.
Jody Curl
Jody Curl
18:57 06 Dec 21
I had a good experience with the Grandview team, they are all amazing. They all go above and beyond for each and every person. I recommend them to everyone that is looking for a great team to work with. Thank You all so very much for everything you all did for me.
Troy Stratford
Troy Stratford
17:00 06 Dec 21
Tracy and here team are easy to work with and are very professional. 100% recommendation for your loan needs.
andrea Beverly
andrea Beverly
09:59 02 Oct 21
I am very happy that I was referred to Grandview Lending. I received the best professional care from the beginning of refinancing my home to the end. Team Tracy, Lindsey, Kiley made the process so easy to navigate.Thanks!!!
Jacqueline Tyler
Jacqueline Tyler
18:05 24 Sep 21
Hello,Mrs Kimberly Irving and Mrs Beverly Harney where truly the best they worked with me from beginning to end! Even when I almost had meltdowns and backed out of a house they confirmed me it was go be ok and stood by me truly from beginning to end I couldn't have asked for better women to work with! They made me feel like family and I love them for it thank you truly from the bottom of my heart for helping find my dream home I love you guys!!
alot ofpictures
alot ofpictures
21:08 19 Sep 21
Kim went above and beyond to get our family the best rate she could!She kept in constant communication and made the entire process very simple and stress free. We would use recommend to anyone to give Grandview Lending your business. We did and will again.
Joseph Vanderhulst
Joseph Vanderhulst
11:44 19 Sep 21
Our other lending experiences have been frustrating. Working with Tim Egan was great. He answered all my questions and explained everything clearly. He was very patient and prompt through the whole process. Highly recommended.
Antwain Brown
Antwain Brown
16:48 18 Sep 21
Love work with this group of people. Everyone from Kimberly to Greg to Jessica was awesome. I feel like they are family. This group would go to bat for you. Thanks crew.
Dennis Beasley
Dennis Beasley
13:02 18 Sep 21
Grandview Lending, WOW!!! Kimberly Irving and the team worked with me on the purchase of my second home with diligence, patience, and a sincere commitment to ensure I received the best rates along with a timely closing date. I'm a Veteran and forgot about my benefits as such, Kimberly was on board to make any and all adjustments so I received those benefits. The team worked with me exceptionally during the covid pandemic, and my complicated work schedule. I highly recommend Grandview Lending, and I have logged their contact information for the next time.
snaries1976
snaries1976
02:48 18 Sep 21
This is the second time I have used Kimberly Irving for the refinancing of my home and she has been extraordinary! She and her assistant Glenn Hubbard walked me through every step and made sure I understood everything that was going on. The process was fast and very efficient. If I had any questions Kimberly and her team were jolly on the spot. They were very knowledgeable and professional! I highly recommend Kimberly Irving at Grandview Lending. Her service is five star.
Spencer Irving
Spencer Irving
23:39 17 Sep 21
Grandview Lending did wonderful job on my refinance, and I will continue to refer Kimberly and her team to friends and family.
Stephanie West
Stephanie West
21:23 17 Sep 21
Libby Werkley
Libby Werkley
19:20 17 Sep 21
Excellent service and super helpful staff and lenders. They did not stop until we were in the home that we wanted to be in! Cannot recommend them more!!
Jon Colby
Jon Colby
18:36 17 Sep 21
We absolutely loved working with Grandview! I am self-employed and was a little nervous about how challenging loan approval would be, but Kameron, Hillary, and the rest of the team made it easy. I would recommend them to anyone.
Lisa Goldstein
Lisa Goldstein
17:16 17 Sep 21
Its such a pleasure to work with Kim Irving and Lesley Howard. They been so helpful through the beginning till the end. I would highly recommend anyone the needs to refinance or just to purchase a new home....Go to Grandview Lending! They will walk you through the whole process step by step and make sure you have a clear understanding. For that I'm truly grateful.Thank you,Ms Lisa
Erica Shupert
Erica Shupert
16:31 17 Sep 21
Tim is always prompt to respond to to all my questions. He is a wealth of knowledge and my buyers really enjoy working with him.
Ida Grady
Ida Grady
16:28 17 Sep 21
Closing my loan with Kimberly was amazing! She was always willing to answer me questions and go over the documents with me. This can be a scary process, but she made it a lot less scary by walking me through it.
Amy Lawhorn
Amy Lawhorn
15:25 17 Sep 21
We have used Kimberly Irving for several refinancings and for the purchase of our second home. Always a pleasure to work with her and her team. They are efficient and knowledgeable. Our most recent refi was completed in 10 days. I highly recommend Kimberly and her team and will definitely use them in the future.
Shalmon Radford
Shalmon Radford
15:07 17 Sep 21
My wife and I decided to house hunt this year, February 2021. The market was CRAZY, but we were fortunate to have Kimberly Irvin from Grandview Lending to aid us. The approval process was quick and easy. Kim answered our correspondence always in a timely fashion, even after office hours and weekends. Her checklist was clear, and she partnered with our realtor, Beverly Harvey of LaBev Enterprises, to insure that we had our ducks in a row. The journey was tough because of the stuff market, but we’re able to close on our dream this August. If you are looking for a lender to help you purchase a home, LOOK NO FURTHER THAN GRANDVIEW!! Ask for Kimberly Irvin. She’s honest, thorough, and wants to see your dreams come true. 5⭐️
Shanay Lasley
Shanay Lasley
14:51 17 Sep 21
Kimberly Irving is the absolute best at what she does! I will continue to refer friends and family to her because of how professional she is. She made my home buying experience less stressful.Kimberly is knowledgeable and timely. Her in depth finance and real estate experience is impeccable. Grandview is lucky to have her on their team and I’m even luckier to have her on mine! Thanks Kim for all you do!!
Joseph Johnson
Joseph Johnson
14:44 17 Sep 21
Kimberly Irving was great to work with. She took care of the details. She followed up with me. She walked me through my financial plan and she saved me money in the end. I've worked with Kim on 4 projects in the last year and half and I look forward to more.
Ronald Walker
Ronald Walker
23:07 16 Sep 21
What an Awesome Experience!!The process of refinancing my home was made so easy by Kimberly Irving and her team!! There was at no time during the process that I wasn't kept informed of what was going on. From the first call of inquiry to the closing and beyond, Kimberly was prompt, knowledge and professional with our correspondence. Thank You Kimberly Irving, Staff and Grandview Lending for everything!!I will definitely look to you for future real estate endeavors!!
Kevin Egan
Kevin Egan
19:25 16 Sep 21
Great experience with Grandview Lending. Tim was great to work with. Helped me get a great refi. Would recommend to anyone and have recommended to my friends.
Tammy Ramsey
Tammy Ramsey
18:55 15 Sep 21
We have trusted Tracy Harding/Grandview Lending on multiple transactions and have always had great experiences. Simply put, Tracy Harding knows what’s she’s doing! Tracy and her team are extremely knowledgeable, dedicated, detailed and friendly! Tracy always finds us the best deals and offers suggestions and solutions to get the best outcome. We recently purchased a new home and the work/tools Tracy provided were the tipping factor that pushed our offer above the rest (sellers told us this at closing). We will continue to trust Tracy Harding with all our future mortgage and refinancing needs!
Amy O'Brien
Amy O'Brien
17:34 15 Sep 21
Tracy and her Team are the absolute BEST!! Tracy was available 24/7 to answer all of our questions. She listened to our needs and helped us make the best decisions for our family when it came to loan options and interest rates in today's market. She worked hand-in-hand with the agents on both sides and kept everyone up-to-date with the loan process. Tracy got us the Clear to Close in 3 weeks!! Thank you, Tracy and Team, for all you did to help our family!
TaMeca Joshua
TaMeca Joshua
19:30 10 Sep 21
This is the second time that we worked with Grandview to purchase a home. However, what made this time different is that this was a new build for us. So, this was something that we had never experienced. But, when I say that Tracy, Lindsey and Jennifer were THE BEST people to work with in all of this, I mean it. They made sure to walk us through everything. They were patient with us and they guided us through this process with the intent of closing on our new home. I am eternally grateful to these three for everything they did for us. Tracy even showed up at our closing to tell us congratulations in person. Buying a home is stressful in itself, but when you have people like these wonderful ladies to work with you as you go through it, things don't seem as stressful. I thank this team so much for all that they did for us and would HIGHLY RECOMMEND them to anyone who asks!!!
Gavin O'Gara
Gavin O'Gara
20:01 08 Sep 21
Tim Egan was very helpful to me and my wife in getting our first mortgage. He was patient, informative, and quick to respond. Would definitely work with him in the future
joemcss
joemcss
14:47 07 Sep 21
Excellent service and unbelievable turnaround time. Highly recommended.
Mike Egan
Mike Egan
22:13 06 Sep 21
I was amazed Tim was able to close my loan in 2 weeks!!!
Nicholas Edwards
Nicholas Edwards
21:36 02 Sep 21
My experience with Tim Egan at Grandview Lending was phenomenal. As a first time home buyer, I had many questions and concerns about the home buying process. Tim thoroughly and patiently answered all of my inquiries and made me feel that I was in good hands. I could not have felt more confident that I had someone on my side looking out for my interests. I highly recommend Tim and Grandview Lending to anyone looking for a home or in need of lending services.
Amy Frederick
Amy Frederick
18:04 02 Sep 21
I cannot say enough about the quality of service I received from Grandview Lending, Inc. I had been wanting to refinance my house for a couple of months, but put it off because I felt that the process was too complicated. The customer service I received from Faye, Hillary, and Mike with Grandview Lending really helped me throughout the process with everything from submitting documentation to finalizing all of the numbers. I am totally satisfied with my new mortgage, price for services, and the check I received. Plus, my closing happened within 2 weeks of my initial application!
Bryon Miller
Bryon Miller
00:17 01 Sep 21
Grandview rocks, this was our 2nd refi with them in a couple of years. They make it quick and easy! Thnx GVL
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